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AIG Insurance review

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4.0 Rating from The Zebra Question mark icon

American International Group, Inc., more commonly known as AIG, has provided a variety of insurance products since 1919. Perhaps best known for its commercial and life insurance options, the New York City-based company is among the largest insurers in the world, with offices in 80 countries. AIG offers home and auto coverage options in the United States tailored to the needs of higher-net-worth individuals.

Read The Zebra's review of AIG’s home, condo, and car insurance options, including coverage offerings, ratings, and overall customer satisfaction.

JD Power Rating — Below Average: The company is rated by JD Power as slightly below average for its homeowners insurance offering, gaining 2 out of 5 stars. Its auto coverage is unrated by JD Power.

Financial strength — Excellent: The financial rating organization A.M. Best gives AIG an “A,” meaning the company is financially sound and should have no trouble paying out claims. 

NAIC Rating — Above Average: The National Association of Insurance Commissioners reported far fewer complaints than the average insurance provider.

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AIG auto insurance coverage options

AIG private client group auto insurance provides all of the standard coverage options that you would expect from a major carrier, only with a bit of a luxury spin. Most AIG auto insurance clients of AIG auto insurance are covering vehicles that are rare or carry a high price tag. Therefore, the company has some unique available coverage options. 

Liability coverage is a core part of AIG's car insurance offering. This required coverage steps in to provide protection in the event you are found liable for damages to another party, such as through an at-fault accident. The company offers very high liability limits which further protects policyholders and their assets. These limits can be as high as $1 million per occurrence. AIG also offers an umbrella policy with limits of up to $100 million. 

 

Coverage options unique to AIG auto insurance:

Worldwide liability coverage
Worldwide liability coverage

AIG auto insurance policies cover you no matter where in the world you travel, something that most standard carriers do not offer.

High liability limits
High liability limits

With AIG car insurance, you can maintain liability coverage limits of up to $1 million per occurrence.

Original manufacturers’ parts
Original manufacturers’ parts

Provided the original parts of your vehicle are still in production, you can expect AIG to cover the replacement of original factory parts for your car.

Agreed value
Agreed value

If your car is totaled by a covered loss, you'll receive a payout in the amount agreed upon at the beginning of your policy. This means that depreciation is not factored in.

Cash settlement option
Cash settlement option

AIG insurance gives the option of a cash settlement in the event that a covered loss results in at least damage of 50% or more than the agreed value.

New vehicle replacement option
New vehicle replacement option

AIG gives you options on how to replace a totaled new car. Within the first three years of the purchase of your vehicle, you have the following options: receive the initially agreed-upon value, replace it with a vehicle from the same make, model, and year, or get a new car of the same make and a similar model.

360° support
360° support

AIG will cover personal belongings that are stolen or damaged. They will also cover living expenses if you are stuck far from home. Even your family pet is protected under AIG’s coverage. 

Rental car reimbursement
Rental car reimbursement

AIG provides rental reimbursement of up to $12,500 with no per-day limit. 


How much does AIG auto insurance cost?

The tables below highlight the average cost of AIG auto insurance when compared to its competitors, as well as by age group and violation.

Cost of AIG vs. Competitors
Company Avg. Monthly Premium
AIG $295
Allstate $201
The Hartford $201
MetLife $184
Esurance $172
Farmers $149
State Farm $131
Updated: 11/29/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.

Average Cost of AIG Auto Insurance by Age Group
Age Group Avg. Monthly Premium
Teens $688
20s $365
40s $296
30s $295
50s $280
60s $268
Updated: 11/29/22.
Average Cost of AIG Insurance by Violation
Accident/Violation Avg. Monthly Premium
At-fault accident - greater than $2000 $420
Speeding 16 - 20 MPH over limit $405
DUI $333
Updated: 11/29/22.

Additional lines of insurance

In addition to its home and car insurance offerings, AIG Private Client Collect offers many different coverage options: 

  • Life insurance
  • Excess flood
  • Yacht coverage
  • Private aviation
  • Kidnap, ransom, extortion coverage
  • Excess liability
  • Equine insurance (liability and equipment coverage)
  • Private collections

AIG home insurance

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4 Rating from The Zebra Question mark icon

AIG home insurance is designed for clients with luxury or high-value homes. The standard coverage options apply, including coverage for your dwelling, personal property, other structures, loss of use, and personal liability. The company anticipates the needs of its customers, offering a number of unique coverage options that typical insurance providers simply cannot provide. Their proactive loss prevention, for instance, includes services meant to stop losses before they occur. Examples of this include water damage protection, background checks for domestic staff, and wildfire and hurricane units that can help in the event of a natural disaster.

JD Power Rating — Below Average: The company is rated by JD Power as slightly below average for its homeowners insurance offering, gaining 2 out of 5 stars. Its auto coverage is unrated by JD Power.

Financial strength — Excellent: The financial rating organization A.M. Best gives AIG an “A,” meaning the company is financially sound and should have no trouble paying out claims. 

NAIC Rating — Above Average: The National Association of Insurance Commissioners reported far fewer complaints than the average insurance provider.

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AIG home insurance add-ons and perks

Among other benefits, AIG rolls out the following perks for its customers:

Landscaping coverage

Coverage is provided for landscaping or lawn features.

International home coverage

AIG’s worldwide reach allows for coverage of properties owned internationally.

Pet damage

Unlike most homeowners insurance policies, AIG insurance covers damage done by household pets.

Top-quality replacement

In many cases, AIG can rebuild your home on its original location, matching it to your home's original standard, even if your policy limits are exceeded in the process.

Cash option

There is no obligation to have your home replaced or repaired, as you can instead take a cash option. 

No depreciation for your personal property

Damaged personal belongings can be replaced or repaired without depreciation being factored in.

Additional living expenses

If your home is rendered uninhabitable, AIG covers your living expenses.


AIG condo insurance

AIG’s condo and co-op insurance offerings are — similar to its homeowners insurance — designed with the high-value property in mind. AIG customizes coverage for condo owners in the following ways: 

  • Home contents replacement: Damaged personal property can be repaired or replaced with new items, with no deductions for depreciation.
  • Additions and alterations: Coverage is available for improvements made to your unit, such as kitchen renovations, customized windows, or upgraded flooring.
  • Loss assessment: AIG provides up to $100,000 for your portion of a covered loss to common areas.
  • Building ordinance: AIG can pay for upgrades required by local building ordinances during the rebuilding process. This means that you won’t be responsible for costs associated with required changes directly linked to property damage.
  • Additional living expenses: As with its homeowners coverage, AIG covers living expenses if your home becomes uninhabitable, including loss of income if the home is rented to tenants.

AIG Family CyberEdge

AIG takes cybersecurity very seriously. As an add-on to your homeowners coverage, the company offers a broad range of options that put your family’s online security at the forefront. The company partners with cybersecurity companies to help you stay ahead of online threats and to keep your identity safe. Highlights of the coverage include:

  • Data restoration
  • Cyber extortion coverage
  • Crisis management and reputation restoration
  • Cyberbullying expenses
  • Identity monitoring
  • Cyber assistance services

Is AIG right for you?

When considering insurance options, the first question that you’ll need to ask yourself is about the level of coverage that you need. If you do not have high-value vehicles or live in a luxury home, AIG may not be the right option for you. The average insurance customer doesn’t have a need for such elaborate coverage options. However, if you have significant assets, AIG provides robust coverage that can follow you around the world.

While JD Power doesn’t give them the highest rating, the company does receive fewer complaints than is average. However, for high-net-worth individuals, the cost of your policy is still a factor. You'll want to make sure that you get the best coverage at a price that is fair. Getting insurance quotes from a variety of companies is a good way to get an idea of what coverages are available.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.